Travel Insurance Expert and Head of Communications
Last updatedDecember 5 2025
13 min read
Planning a trip to the United States? Whether you’re shopping your way through New York, road-tripping along Route 66, catching the sunset over the Grand Canyon, or soaking up the history of Washington D.C., you’ll want USA travel insurance that covers you from the moment you take off.
With high medical costs in the US, having comprehensive cover isn’t just a good idea, it’s essential. At InsureandGo, we offer flexible policies with no upper age limit, cover for over 100 activities as standard, and optional extras if you’re planning something a little different. Wherever your American adventure takes you, we’re here to help you travel stress-free.
What is USA travel insurance, and why do you need it?
The USA has long been one of the most popular holiday destinations for UK travellers. However, the United States has some of the most expensive emergency medical care in the world, meaning things can get costly if something unexpected happens.
Don’t worry, our USA travel insurance has got you covered:
Buy it, then get on with enjoying your adventure: With cover for hospital expenses, personal belongings and legal costs, you can relax. What’s more, our 24-hour emergency assistance team will be available to call, day or night, if you need them
Cover for your pre-existing medical conditions: We will consider all pre-existing medical conditions. Let us know some details, and we will send you a quote. Find out more about medical travel insurance, or contact our helpful team
Go for a single trip or annual policy: If you’re planning on going away more than once this year, an annual travel policy might save you time and money. If this is your one getaway of the next 12 months, our single trip policies may be best for you.
Cover varies based on the policy you buy. Our policy wording includes details of what is and isn’t covered, as well as other terms and conditions.
We’re here to support you with the best travel insurance policy for your trip to the USA. We’ve helped over 27 million travellers get cover, and 99% would consider buying from InsureandGo again1.
What does InsureandGo’s USA travel insurance cover?
We strive to provide as much cover as possible. However, there are some situations that no travel insurance will cover. For example:
You cannot cover events or reasons to claim that took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
We will consider all pre-existing medical conditions, find out more about medical travel insurance. The excess and the amount of cover available will vary depending on the level of travel insurance you buy. To check the policy exclusions and what is and isn’t included, take a look at our policy wording.
The best travel insurance for your USA trip
Looking for the best travel insurance for USA visitors? We have a wide range of policies to choose from:
Single trip USA travel insurance: Perfect if you’re only planning one trip this year. You tell us where you’re going and for how long, and we give you a tailored quote
Annual travel insurance: If you’re going away more than once in the next 12 months, you could save time and money with multi-trip travel insurance. Pick our worldwide option, covering the USA, Canada, Mexico and the Caribbean, and you can cover your trip to Americ,a plus any other trips for the year
Family travel insurance for the USA: Holiday cover for every member of the family, all under the same policy – simple! Cover every generation, from kids to grandparents (and even great grandparents)
Take a look at the specific policy wording for more information on what is and isn’t included.
Choose a cover level to suit your travel needs
Black
Gold
Silver
Medical expenses and repatriation
Unlimited
£15 million
£10 Million
Cancellation and curtailment
£10,000
£7,500
£5,000
Travel delay
Up to £650
Up to £540
Up to £450
Personal belongings
£5,000
£2,500
£2,000
Legal Expenses
£60,000
£50,000
£15,000
Standard Excess
Nil
£50
£60
USA travel insurance with pre-existing medical condition cover
Securing travel insurance for medical conditions can be a concern, but there’s no need to worry. We’ll consider any medical condition and do our best to provide the best possible cover. Just follow our simple online screening process when you buy your policy, either over the phone or online.
Examples of medical conditions we can cover include:
Medical costs in the USA are famously expensive, and foreign visitors don’t get free healthcare, even if they come from a country with a system like the NHS. Also bear in mind that A&E (or ER, as they call it in the USA) isn’t free either, so in an emergency situation, the costs can quickly add up. If you’re considering travel medical insurance for the USA, it’s sensible to check your cancellation, repatriation and medical evacuation cover. For more information, read our travel insurance for pre-existing medical conditions page and refer to policy wording.
How to book our USA travel insurance
There’s so much to think about when planning a holiday. Luckily, you can get your travel insurance for the USA sorted in just two steps.
1. Let us know a little info
We need to know a bit about your holiday, who you want to cover, and when you want the policy to start. We will also ask you for information about any pre-existing medical conditions. This helps us provide you with the right level of cover.
It’s quick and easy to give us this information. Either contact us online or by calling our team:
We’ll give you your quote, and you can either choose to buy a policy or save the details for later.
Our experts say…
“Whether it’s a return visit to your favourite city or a once-in-a-lifetime adventure, the USA is a true bucket list destination. But with high healthcare costs in the US, it’s important to have the right USA travel insurance in place before you go. We’ll help you find a policy that suits your trip, so you can travel worry-free, knowing you’re properly protected.”
“Excellent service. Competitive prices. We have been insured by InsureandGo for many years and fortunately haven’t had to claim more than once, but on that occasion, everything was dealt with for us, including a hospital visit in the USA.”
Although travel insurance isn’t mandatory for the USA, it is highly recommended that you take out a policy. If something goes wrong on your trip and you don’t have a policy to cover it, you could end up paying high costs out of pocket. America is known for having some of the world’s most expensive emergency medical care. Buying a single trip or annual multi-trip policy is important to make sure you’re covered.
Do I need a visa for the USA?
The UK is part of the visa waiver programme with the USA, meaning UK citizens with a valid passport don’t need a visa to travel to the USA. You need to get an Electronic System for Travel Authorisation (ESTA), which allows travellers up to 90 days in the USA.
Do you need a Global Health Insurance Card (GHIC) and travel insurance to visit the USA?
Although it’s called a Global Health Insurance Card, a GHIC doesn’t cover the USA. It is mainly for use in EU countries. The best way to ensure you’re covered if something unexpected happens on a holiday to America is by purchasing a travel insurance policy.
Remember, even if you are travelling to a country covered by the GHIC scheme, it is recommended that you also buy travel insurance. This will protect you from any costs that aren’t covered by the card.
How much is travel insurance for USA?
The price of your travel insurance to the USA will depend on various things. These include:
Where you’re travelling to and if you’re visiting any other countries
Make sure you choose travel insurance that covers the USA, as some policies do not. You should also keep these pointers in mind:
It’s important to check the level of medical cover. The government advises at least £2 million of medical cover when travelling to the USA. Our policies start at £5 million
When choosing US travel insurance, think about the cost of your holiday and what you’ll be taking with you. You need to know you’re covered if anything happens
Travel insurance to the USA can be more expensive than for Europe. This is because of higher claims costs if anything unexpected happens. Medical treatment can be very expensive in the USA, and it can also cost a lot if someone needs emergency transport back to the UK. This means policies that cover the US can be a bit more costly.
Can I buy USA travel insurance after booking my trip?
Have you left buying your USA travel insurance until the last minute? Don’t worry! We make getting covered quick and simple, so you can focus on looking forward to your holiday. Get your quote now.
You’re able to purchase a last-minute US travel insurance policy on the same day as you head off. As long as you haven’t been through customs or left the UK yet. Just remember, we can’t cover you for any potential claims that you’re aware of before you buy the policy (e.g. a cancelled flight). For more information, read our policy wording.
Does Mexico come under the USA in travel insurance?
If you’re visiting Mexico or another country on your US trip, there are two easy ways to ensure you’re covered:
If you’re buying a single trip policy, just tell us the countries you’ll be visiting, and we’ll give you a quote to cover your whole trip
If you’re after an annual multi-trip policy, make sure you pick our Worldwide cover, including USA, Canada, Mexico and the Caribbean
What if I have to go to the hospital in the USA?
It’s important that you have travel insurance for the USA to cover unexpected issues while you’re away.
Medical costs in the USA are famously expensive. Most hospitals are large and privately run. If your medical emergency isn’t serious enough to warrant a visit to the hospital, you may be able to contact them and ask for a local physician. They may be able to offer cheaper treatment.
If a hospital discovers you have no insurance, they may transfer you to a welfare hospital if one is nearby. However, there aren’t many available, especially in more rural areas, and they may have very long waiting times. If you have a pre-existing medical condition, visit our page on travel medical insurance for more information. Or you can contact us online.
Can InsureandGo help if I need medical treatment while in the United States?
Our US travel insurance comes with access to our 24-hour emergency assistance team. Meaning there will always be someone here to help you if you become ill or are injured while abroad.
You can give our team a call any time, day or night, as part of your USA travel insurance policy.
Who can buy USA travel insurance?
All our USA travel insurance policies are available to UK residents. This means:
Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
They must be in the UK at the time of purchase
All trips must start and end in the UK
Unfortunately, we can’t provide cover to anyone who doesn’t fit this description.
